Amanda Curd - Mortgage & Protection Adviser

📅 Is Your Remortgage Due in the Next 6 Months? 🤔

If you’re coming up to the end of your mortgage deal, it’s a good idea to start thinking about your remortgage options now — rather than waiting until the last minute. Here’s why:

🔍 Skip the Last-Minute Stress with Expert Help: When you work with a mortgage broker, we handle the entire process for you — from preparing paperwork to finding the best lender for your situation. Trying to manage it alone? That can mean unnecessary stress and risks, especially if one lender turns you down at the last minute. By letting a mortgage broker handle things, you’ll have confidence that everything is taken care of, giving you a smooth transition to your new mortgage deal.

📝 Get a Tailored Solution: As a mortgage broker, I assess your unique situation and work to match you with a lender that fits your needs and accepts your circumstances. Every client is different, so finding the right match can make a world of difference.

💼 Reduce Stress, Save Money: An early start means no last-minute stress or risking higher interest rates and higher monthly mortgage payments if your current deal expires before you have a new one in place.

Your home, your mortgage – let's get it right together. Reach out now, and let’s get ahead of your remortgage process!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

🌟 Overwhelmed by buying your first home? Here’s how to simplify the process! 🌟

🏡 Are you taking the exciting step into the property market for the first time? 🎉 As an experienced mortgage and insurance broker, I’m here to guide you through the process with some essential tips to make your journey smoother.

🔍 1. Know your Budget - Before you start house-hunting, get a clear picture of what you can afford. This includes not just the mortgage, but also other costs like stamp duty, legal fees, and moving expenses. Speak with a mortgage adviser to establish what you can borrow and how much your monthly payments might be.

📈 2. Get and agreement in principle - Your mortgage adviser will do this for you. It’s a decision from a lender indicating how much they’re willing to lend you subject to underwriting and a satisfactory mortgage valuation. It shows sellers you’re serious and helps streamline the buying process.

🔑 3. Save for a deposit - Typically, you’ll need between 5-20% of the property’s value as a deposit. The more you can save, the better the mortgage deal you might get!

📝 4. Understand your mortgage options - Fixed-rate, standard variable rate, discounted rate, tracker rate, repayment, interest-only – there are various types of mortgages. Your mortgage adviser can help you navigate these and find the one that best suits your needs.

🏠 5. Don't forget insurance - Protect your home, your loved ones and your income with the right insurance. Buildings insurance is usually a must, you might also consider contents insurance to cover your belongings, life insurance to provide a lump sum or income for your loved ones in the event of your death, critical illness cover and income protection to replace your income if you are unable to work due to illness or injury.

🤔 6. Navigating the property market can be complex. Working with professionals like estate agents, solicitors and your mortgage adviser, can provide peace of mind and help you make informed decisions.

Feel free to drop me a message if you have any questions or need assistance with your first home purchase. Let’s make your dream home a reality! 🌟

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

📢 Is Your Fixed Rate Ending in January 2025? 🏡

Don’t wait until the last minute! Start exploring your options NOW to secure the best rates and ensure a smooth transition.

Need guidance? I'm here to help! Let's find the best deal for your circumstances together. 📲💼

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

Hey July! Let’s make it a good one ❤️🍹🎉🏡💰💪🏻

📈 Ready to Boost Your Credit Score? Here's some tips on how! 💪

🏡✨ If you're looking to get a mortgage, one of the key steps is knowing what your credit score is and improving it is necessary. Here's a quick and easy guide to help you get started:

1️⃣ Check Your Credit Report: Make sure there are no errors on your credit report.

2️⃣ Pay Bills on Time: This might sound obvious, but it's crucial! Late and missed payments can have a significant impact on your score.

3️⃣ Reduce Debt: Try to keep your credit card balances low and pay off in full every month if possible. Paying off debt shows lenders you're a responsible borrower.

4️⃣ Limit New Credit Applications: Each application can slightly lower your score. Only apply for credit when you really need it.

5️⃣ Register to Vote: Being on the electoral roll can improve your credit score. It’s a quick win, so make sure you’re registered!

6️⃣ Use Credit Wisely: Regularly using a small amount of your available credit and paying it off each month can boost your score.

7️⃣ Look at Experian Boost: Not all lenders use Boost but it can help you increase your credit score simply by sharing how you manage your money.

Improving your credit score is a marathon, not a sprint. 🏃‍♂️🏃‍♀️ Stay consistent and patient, and you'll see progress over time. If you have any questions feel free to drop me a message!

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

I can absolutely see if I can help you! Having bad credit doesn't necessarily mean your dream of owning a home is over. Here's what you need to know:

Specialist Lenders: There are lenders who specialise in helping people with less-than-perfect credit scores. Some of which only a mortgage adviser has access to.

Larger Deposits: You might need to put down a larger deposit than someone with good credit. This is because it reduces the lender's risk and increases your chances of approval.

Higher Interest Rates: Be prepared for slightly higher interest rates. But we can always look into refinancing once your credit improves further down the line.

Improve Your Credit: Consider taking steps to improve your credit score now and before applying. Pay off debts, avoid late payments, and correct any errors on your credit report. If in doubt it's always a good idea to send your mortgage adviser a copy of your credit report to look through with a fine tooth comb.

Professional Advice: Working with a mortgage broker can make a huge difference. We can guide you to the right lenders and help you understand all your options.

Don't let bad credit hold you back. Reach out today for a personalised mortgage plan! 🏡💪

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

🏡 Home is Where the Heart Is 🏡

Buying or selling a home is more than just a transaction; it’s a significant life event filled with emotions, dreams, and aspirations. As a mortgage adviser, I understand the excitement and stress that come with this journey. That's why I believe in total transparency and honest advice to make this process as smooth and enjoyable as possible. 🌟

Building strong relationships with your agents is key. They’re not just there to close the deal; they’re there to guide you, listen to your needs, and support you every step of the way. When you work with someone who truly understands your goals, the experience becomes not only easier but also enjoyable. 😊

Remember, moving house should be an exciting adventure, not a daunting task. Let's make your home dreams a reality together! 🏠✨

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

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🏠 Are you due to remortgage in the next 6 months? 📅

Is your mortgage product due to expire in the next 6 months? If so, please make it your priority to speak to a mortgage broker as soon as possible! 🤔 Speaking with a mortgage broker in plenty of time allows you to...

1️⃣ Secure Your Rate Early: Did you know most lenders allow you to secure a new rate 6 months before your expiry date? Locking in early means you can protect against potential rate rises in the future.

2️⃣ Stay Flexible: And even if rates drop, we still have time within this 6-month window to secure you the new, lower rate. It's all about staying ahead of the game! ⏰

3️⃣ Tailored Advice: Every situation is unique. By speaking with a mortgage broker early, we can assess your circumstances, loan-to-value, and preferences to find you the best possible rate on the market that is right for you and your requirements.

If your mortgage product is due to expire soon, make it your top priority to chat with a broker. Drop me an email at [email protected] for valuable and expert advice! 📧

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT MAKE THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBTS SECURED ON IT

Book now ⬇️ ⬇️ ⬇️

Email [email protected]
Phone 07832952891

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBTS SECURED ON IT

🏡 👋 Home Buying Process in 9 single steps 🥰 🌟

1. Speak with a mortgage broker
2. Prepare your documents
3. Get an agreement in principle
4. Make an offer
5. Complete a mortgage application
6. Arrange solicitors
7. Sort out a survey
8. Exchange contracts
9. Complete/Moving day 🗝 🥳 🍾

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

🏠 Are you ready to become a homeowner?

Yes, of course! 🙌 But wait... I need help! 💡

Taking the leap into homeownership is exciting, but navigating mortgages can be daunting. It's crucial to speak with a mortgage broker to understand how much you can borrow and what it will cost you.

Let's turn your dream of owning a home into a reality! 💫

YOUR HOME MAY BE REPOSSESSED IF YOU DO N OT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

🌟🌟🌟 JARGON BUSTING 🌟🌟🌟

Understanding what Loan-to-Value (LTV) means is key when diving into the mortgage game 🏠. It's basically a measure of how much you're borrowing compared to the value of the home you're looking to buy.

Let's break it down: if you're looking at a £300,000 dream home and can put down a deposit of £15,000, your LTV is 95% (since you're borrowing £285,000). The lower your LTV, the less risky you may appear to lenders, which could get you better deals like lower interest rates.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE PAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

⚠️ Wake up call! ⚠️ Illness doesn't check your calendar before striking! 💥

🚨 Unexpected illness doesn't care about your age or plans. 💔 Are you covered financially if life throws a curveball? 🤔 Could you still pay your mortgage and bills if you are off work through long term sickness?

Are you covered if it does? Time to review your critical illness and income protection 💼

What documents do you need to start the mortgage ball rolling?

ID - This can be a valid passport or valid driving licence.

Proof of address - Driving licence if not used as ID (make sure it has your current address on it), utility bill not more than 3 months old or latest council tax bill or a recent bank statement.

Proof of income - Latest 3 months payslips if you are employed. Last 2 years tax documents for self employed (SA302's and tax overviews).

Bank statements - Latest 3 months bank statements for all current accounts.

Proof of deposit - An up to date bank statement. Or mortgage statement if the deposit is coming from the equity in your property.

Credit report - An up to date copy of your credit report.

These documents are essential to ensure industry regulations are met.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

🌟🌟🌟BUSINESS OWNERS 🌟🌟🌟

Are you a business owner? Have you thought about how you can protect your business if unexpected events like serious illness or loss of key people disrupt normal business operations?

Understanding Business Protection Insurance

Running a business can be both fulfilling and challenging, with unexpected events potentially jeopardising its stability.

Business Protection Insurance is designed to ensure your business can continue to operate smoothly, even in the unfortunate event of a key employee, business owner, or director facing critical illness or passing away.

What is Business Protection?

Business Protection Insurance provides a safety net for your company, offering provisions to maintain its stability in the face of terminal illness, critical illness, or death among key individuals.

Why is Business Protection important?

Every business wants to have its key people ready and available to work. But there is no shortage of surprises that can disrupt ‘business as usual’ – from serious illness to loss of life.

Send me a message or give me a call if you'd like to have a chat to see how I can help you and your business.

Phone - 07832952891
Email - amanda/[email protected]

💏 Planning ahead can really help you out 🏡

Talk to a mortgage broker about six months before you plan to buy or remortgage your home. Find a broker, like myself, who can look at your money situation and give you tips to improve your chances of getting a mortgage 🔥

You can get in touch for a free, no obligation chat here or send me an email.

YOUR HOME MAY BE REPOSSESSED IF YOU DO NOT KEEP UP WITH THE REPAYMENTS ON YOUR MORTGAGE OR ANY DEBT SECURED ON IT

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